PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

F&M Bank-Potosi

Potosi, WI · Cert 13271

FDIC

Q3 1997

$35.8MAssets
$29.2MLoans
$32.4MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.47%, down 2 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 90.07% of deposits as of Q3 1997.

Return on Assets (YTD, annualized)

1.47%-2 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997YoY ΔTrend
Earnings
Return on Assets1.38%1.29%1.48%1.49%1.49%1.43%1.43%1.47%-2 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)5.64%2.64%3.32%5.13%10.54%11.35%15.14%14.40%+927 bps
Loan Growth (YoY)7.37%4.46%5.65%11.99%20.91%18.66%24.35%18.91%+692 bps
Deposit Growth (YoY)4.79%1.91%3.41%5.18%11.09%11.38%11.81%13.03%+785 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits80.22%83.12%82.77%85.62%87.30%88.55%92.06%90.07%+445 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a